Credit Portfolio Dynamics and Risk Exposure: A Panel Data Analysis of Lending Institutions in Palestine

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dc.contributor.authorAteeq Ibrahim
dc.contributor.authorBayoud Mohammad
dc.date.accessioned2026-01-24T13:28:11Z
dc.date.available2026-01-24T13:28:11Z
dc.date.issued2025-07-07
dc.description.abstractThis study examines the determinants of credit risk within Palestinian lending institutions using panel data from 2022 to 2024. Drawing on data from Qatan, Qudas, and Rief, the analysis combines fixed effects regression and structural equation modeling (SmartPLS) to assess the impact of inactive loans, credit scoring systems, macroeconomic indicators, and governance mechanisms on Portfolio at Risk (PAR). Regression results reveal that higher inactive loan ratios significantly increase PAR, while institutions adopting credit scoring report a notable reduction. SEM findings validate that internal governance explains 63% of the variance in credit risk. These results emphasize the need for enhanced institutional practices and regulatory infrastructure to sustain financial stability in fragile economic contexts
dc.identifier.citationAteeq, I. M., & Bayoud, M. A. (2025). Credit portfolio dynamics and risk exposure: A panel data analysis of lending institutions in Palestine. The International Journal of Business Management and Technology, 9(7), 48–60.
dc.identifier.issn2581-3889
dc.identifier.urihttps://dspace.alquds.edu/handle/20.500.12213/10433
dc.language.isoen
dc.publisherThe International Journal of Business Management and Technology
dc.titleCredit Portfolio Dynamics and Risk Exposure: A Panel Data Analysis of Lending Institutions in Palestine
dc.typeArticle
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